An excellent source for how to think about buying health insurance if you’re not employer- or government-covered is this one, from Charles Gaba, a Web developer who has meticulously kept track of the Affordable Care Act for several years now. The effects of the events in Washington on different people with different income levels and different “metal level” plans vary greatly state by state, and it’s important for you to know this.
If you have a silver plan now, depending on the state, you might well do a lot better with gold or bronze. You might do better buying a non-exchange insurance plan.
Whatever plan you have, you should read carefully before you buy, and shop carefully under different scenarios. For example, in past years, many people viewed silver as the only wise option, but that’s no longer true.
Watch his site for updates and explanations in plain language about the state of play.
